By creating an account, accessing our website, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. These terms constitute a legally binding agreement between you and Deseret First Credit Union.

We reserve the right to modify these terms at any time. Your continued use of our services after any changes indicates your acceptance of the modified terms.

To use our services, you must:

• Be at least 18 years of age (or the legal age of majority in your state)
• Be a legal resident of the United States
• Meet our membership eligibility requirements as a federally chartered credit union
• Provide accurate and complete information during registration
• Not have been previously suspended or removed from our services

You are responsible for:

• Maintaining the confidentiality of your account credentials, including passwords, PINs, and security questions
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Keeping your contact information current and accurate
• Complying with all applicable laws and regulations when using our services

We recommend using strong, unique passwords and enabling multi-factor authentication when available.

You agree not to:

• Use our services for any unlawful purpose or fraudulent activity
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the integrity or performance of our services
• Transmit any viruses, malware, or other harmful code
• Use automated systems (bots, scrapers) to access our services without permission
• Impersonate any person or entity
• Engage in money laundering or terrorist financing
• Violate any applicable laws or regulations

By using our services, you consent to receive electronic communications from us, including:

• Account statements and notices
• Transaction confirmations
• Security alerts
• Marketing communications (which you may opt out of)

Electronic communications are considered "in writing" and have the same legal effect as paper communications. You may withdraw consent to electronic communications at any time by contacting us.

All content on our website and applications, including text, graphics, logos, images, and software, is the property of Deseret First Credit Union or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without written permission
• Use our trademarks or logos without authorization
• Remove or alter any proprietary notices or labels on our content

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of these external sites. Your use of third-party services is at your own risk and subject to their terms and conditions.

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DESERET FIRST CREDIT UNION SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES.

Nothing in these terms limits any rights you may have under federal or state consumer protection laws.

Any disputes arising from these Terms of Use or your use of our services will be governed by the laws of the State of Utah, without regard to conflict of law principles.

Before initiating any legal action, you agree to first attempt to resolve any dispute informally by contacting us. If we cannot resolve the dispute within 30 days, either party may proceed with formal dispute resolution.

We may suspend or terminate your access to our services at any time, with or without cause, and with or without notice. You may also close your account at any time by contacting us.

Upon termination, your right to use our services will immediately cease. Sections of these terms that by their nature should survive termination will survive, including intellectual property, disclaimers, and dispute resolution provisions.

If you have questions about these Terms of Use, please contact us:

• By Mail: Deseret First Credit Union, Attn: Legal Department, P.O. Box 555, Salt Lake City, UT 84110
• By Phone: (801) 456-8100
• By Email: legal@deseretfirst.com
• Online: Contact Form